Final answer:
Under a personal auto policy, the named insured's resident son and the visiting father driving a borrowed car would qualify for liability coverage, whereas the neighbor and the company providing a car would not.
Step-by-step explanation:
In the context of personal auto policy, the individuals who would be considered insured for liability coverage under the given scenarios are the named insured's resident son while driving a neighbor's car, and the named insured's father who, while visiting from another state, drives a car the named insured borrows from a neighbor. However, the neighbor driving their own car for the named insured would not be covered under the named insured's policy, as typically the owner's auto policy would extend to cover such usage. Likewise, Desert Sun Co., which provides a company-owned car, would not fall under the personal auto policy as this would generally be covered by a commercial or business auto policy.
When it comes to insurance liability coverage, the policy's terms often extend coverage to family members residing with the named insured and in some cases permissive users. Determining who exactly is insured under a policy can vary based on the specifics of the policy language and state regulations.